People who have never personally been insured would answer “no” truthfully, people who have been insured but only consumed in-network, fairly routine services might be able to answer “No” truthfully (though hiccups even with that leading to initial denials are not uncommon), and people under 26 who have only been on their parents insurance and have been shielded from the details of insurance interactions would be able to answer “No” often without intentional misrepresentation.

> However, it’s also possible that such a cohort is not a true jury of peers,

“Jury of peers” is a line from Magna Carta referring to barons’ right to have their guilt or innocence determined by other barons and does not appear in the US Constitution. The limitation on excluding jurors in the US system is that the unlimited number of exclusions for cause that attorneys for either side may request are determined by the judge on the basis of whether the potential juror has sufficient evidence of bias that would make them incapable of rendering a fair verdict, and other exclusions (peremptory challenges) are sharply limited in number, not some assessment of whether the net result is “a true jury of peers”.